As in, all 28 million drivers?
28 million people dealing with this level of inconvenience is astounding, and a clear-cut example of why the penalties for data leaks need to... well, at least start existing, by one means or another. Also worth noting I don't see SSNs, CC info, or any passwords included, so this just seems to be a standard thing people say regardless.
Every single SS# needs to be made public, along with the assigned name. Not just known-breached, but somewhere where it's obvious that anyone could look it up as easily as looking up a phone number or mailing address. Somewhere so public that everyone else knows that they're no longer "secret."
Using Social Security numbers as some sort of proof you're who you say you are is batshit crazy these days. But we all pretend that it's still secure somehow. If there was an embarrassingly public list of all SS#s, then banks would be forced to improve their vetting of applicants.
At the same time, the onus needs to be on a financial institution to prove that I opened an account. If I discover a line of credit in my name, all I should need to do is disavow it, and make the lender prove that I was the one who authorized it.
Yes, this will increase the cost of doing business. But that increased cost is already here, just born randomly and disproportionately by the victims of "identity theft."
Want to issue a credit card with a $15,000 limit? Have the applicant walk into a branch, provide a thumbprint take their picture. Or get them on a video call standing in front of their house, attesting that they're the person they say they are. Or if you think that's too inconvenient you can take on all the risk if the borrow later disavows the debt.
A piece of paper or online form with the magic numbers is just not enough.
They are already required by law to assume the risk for fraudulent charges. It's just a mess and hassle for consumers.
It's like leaving packages on doorsteps without signatures. Apparently they just make more money eating the occasional fraud losses than the price of doing something safer.
I admit that I think that was 100% unnecessary, expecially in this situation, to put the kibosh on the conversation. But it made me realize how insane it is that something that is a common "get to know you" type question (tell me about where you grew up? (street, school etc) Tell me about your parents? (maiden name)) are also a common "security" questions.
Also, side note. I NEVER use real answers to those questions. I treat it as an extra password and store it securely that way. No way I'm going to turn my mother's maiden name (easily searchable if you know my full name) into a password!
All it takes is one junior employee to make a mistake one day copying a file.
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